function parameter references

Hello everyone, I am new to the boards and new to C++. I am reading Accelerated C++ and working through Ch. 4. The program as it stands compiles fine, but it seems I dont completely understand what is going on when I reference another object. The program seems to read in data fine, but it is not ending up where I hoped. I have strayed a bit from the program covered in the book, I thought I might learn more that way. Thats what I get for thinking :/

I am trying to get the data into the students vector. Any help would be much appreciated.